The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 224,891 1,246 SH   SOLE   1,246 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 290,993 1,928 SH   SOLE   1,928 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,051,796 5,831 SH   SOLE   5,831 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,204,819 7,026 SH   SOLE   7,026 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 423,884 1,008 SH   SOLE   1,008 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103 BBG00NNWBWQ2 372,205 8,383 SH   SOLE   8,383 0 0
DBX ETF TR XTRACKERS SHRT 233051283 BBG00JQ1CS66 461,059 10,354 SH   SOLE   10,354 0 0
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 BBG01B92VTS2 240,842 7,153 SH   SOLE   7,153 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 BBG01BBK3R95 209,300 1,966 SH   SOLE   1,966 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 371,211 2,382 SH   SOLE   2,382 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 1,312,920 65,125 SH   SOLE   65,125 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 2,910,475 28,848 SH   SOLE   28,848 0 0
GRANITESHARES ETF TR HIPS US HIGH INC 38747R306 BBG007V9C3Z2 377,649 29,371 SH   SOLE   29,371 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 BBG0078W3NP4 265,720 14,987 SH   SOLE   14,987 0 0
HP INC COM 40434L105 BBG001S6W7N7 385,426 12,754 SH   SOLE   12,754 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 BBG001S6VS16 276,048 8,769 SH   SOLE   8,769 0 0
INTUIT COM 461202103 BBG001S6TWR2 328,250 505 SH   SOLE   505 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 478,509 1,199 SH   SOLE   1,199 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 980,300 2,208 SH   SOLE   2,208 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 259,506 5,029 SH   SOLE   5,029 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 768,572 17,256 SH   SOLE   17,256 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 504,102 15,641 SH   SOLE   15,641 0 0
ISHARES INC JP MORGAN EM ETF 464286517 BBG0025X4J38 948,448 26,291 SH   SOLE   26,291 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 885,198 15,642 SH   SOLE   15,642 0 0
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 665,164 11,554 SH   SOLE   11,554 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 BBG002GKR7K6 811,743 32,097 SH   SOLE   32,097 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 778,465 7,829 SH   SOLE   7,829 0 0
ISHARES TR 10+ YR INVST GRD 464289511 BBG001T5MKD1 395,060 7,670 SH   SOLE   7,670 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 561,595 5,347 SH   SOLE   5,347 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 5,092,067 100,713 SH   SOLE   100,713 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 2,091,521 36,349 SH   SOLE   36,349 0 0
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 660,913 8,279 SH   SOLE   8,279 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 224,747 2,039 SH   SOLE   2,039 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,780,292 23,987 SH   SOLE   23,987 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 603,711 5,236 SH   SOLE   5,236 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 3,747,554 7,128 SH   SOLE   7,128 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 1,145,754 25,132 SH   SOLE   25,132 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 969,516 9,899 SH   SOLE   9,899 0 0
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 511,529 4,929 SH   SOLE   4,929 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 1,084,421 19,934 SH   SOLE   19,934 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 2,070,014 25,904 SH   SOLE   25,904 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 5,105,573 44,412 SH   SOLE   44,412 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 303,957 12,417 SH   SOLE   12,417 0 0
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 314,025 7,794 SH   SOLE   7,794 0 0
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 2,092,086 63,435 SH   SOLE   63,435 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 6,878,797 134,142 SH   SOLE   134,142 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 1,360,587 14,722 SH   SOLE   14,722 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 662,228 9,343 SH   SOLE   9,343 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 893,149 22,767 SH   SOLE   22,767 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 311,371 7,851 SH   SOLE   7,851 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 1,868,488 66,188 SH   SOLE   66,188 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 5,048,353 60,401 SH   SOLE   60,401 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 3,954,144 21,106 SH   SOLE   21,106 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 3,520,569 21,421 SH   SOLE   21,421 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 310,749 2,888 SH   SOLE   2,888 0 0
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 737,282 2,980 SH   SOLE   2,980 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 918,369 10,876 SH   SOLE   10,876 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 216,513 1,159 SH   SOLE   1,159 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 855,644 8,170 SH   SOLE   8,170 0 0
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 235,911 4,654 SH   SOLE   4,654 0 0
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 546,925 10,164 SH   SOLE   10,164 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 698,936 5,175 SH   SOLE   5,175 0 0
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 873,751 38,373 SH   SOLE   38,373 0 0
ISHARES TR USD INV GRDE ETF 464288620 BBG001SSD876 281,586 5,546 SH   SOLE   5,546 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308 BBG007VDWC09 5,728,294 107,179 SH   SOLE   107,179 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209 BBG007H0QWC3 761,349 13,516 SH   SOLE   13,516 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407 BBG00B3QWPR4 2,055,645 18,353 SH   SOLE   18,353 0 0
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779 BBG00J5DRY91 207,104 3,931 SH   SOLE   3,931 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 BBG0059FN820 257,401 1,646 SH   SOLE   1,646 0 0
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 BBG00P35J8L8 1,432,767 49,957 SH   SOLE   49,957 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 202,440 1,534 SH   SOLE   1,534 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,159,504 2,756 SH   SOLE   2,756 0 0
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 BBG001SCTG12 301,617 27,370 SH   SOLE   27,370 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 807,783 894 SH   SOLE   894 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 BBG00QQF57H1 702,446 19,746 SH   SOLE   19,746 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 243,353 808 SH   SOLE   808 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 417,366 16,529 SH   SOLE   16,529 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 5,812,048 148,950 SH   SOLE   148,950 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 679,476 13,853 SH   SOLE   13,853 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 10,496,088 155,751 SH   SOLE   155,751 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 360,359 6,319 SH   SOLE   6,319 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 6,595,883 237,604 SH   SOLE   237,604 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 11,122,900 312,353 SH   SOLE   312,353 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,295,455 36,523 SH   SOLE   36,523 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 573,011 11,886 SH   SOLE   11,886 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 426,947 9,281 SH   SOLE   9,281 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 8,529,645 139,716 SH   SOLE   139,716 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 2,042,172 25,328 SH   SOLE   25,328 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 1,539,388 16,603 SH   SOLE   16,603 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 3,545,648 57,133 SH   SOLE   57,133 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 1,136,347 21,786 SH   SOLE   21,786 0 0
TIDAL TR II RETURN STCKD US 88636J816 BBG01J6BBJT1 395,304 16,915 SH   SOLE   16,915 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 BBG00B59KD90 2,965,334 116,263 SH   SOLE   116,263 0 0
UFP INDUSTRIES INC COM 90278Q108 BBG001S7GZG9 206,657 1,680 SH   SOLE   1,680 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 BBG001T9BPT7 1,218,184 49,702 SH   SOLE   49,702 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 381,585 7,701 SH   SOLE   7,701 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,024,044 2,975 SH   SOLE   2,975 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 6,348,577 24,427 SH   SOLE   24,427 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,075,870 25,757 SH   SOLE   25,757 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 238,427 4,712 SH   SOLE   4,712 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 1,241,489 20,957 SH   SOLE   20,957 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 339,381 1,859 SH   SOLE   1,859 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,494,781 109,523 SH   SOLE   109,523 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 262,308 4,108 SH   SOLE   4,108 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 BBG001SV5CV2 475,243 6,204 SH   SOLE   6,204 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 914,168 4,892 SH   SOLE   4,892 0 0
WESTERN ASST INFLTN LKD INM COM SH BEN INT 95766Q106 BBG001SBSMH5 1,334,773 163,977 SH   SOLE   163,977 0 0
WISDOMTREE TR US EFFICIENT COR 97717Y790 BBG00LLPH6R3 2,625,779 62,178 SH   SOLE   62,178 0 0